Carrier GL insurance jacked to $4500 this year, screw that

Just got my renewal for the general liability on my Carrier system installs and it's up to $4500 annually, that's BS when last year it was $3200. These insurers are killing small HVAC shops with premiums that eat into every heat pump job. Who's switching providers?

Shop around with a broker who specializes in trades, I saved 20% by bundling with my workers comp last year.

$4500? Try being self-employed in a litigious state, mine's double that for the same coverage lol.

I use an independent agent, they compared five quotes in a week and got me down to $3800 for similar limits.

Document every job meticulously, it helped me fight a claim last winter and kept my rates from spiking more.

Man, same here, premiums doubled after one slip-and-fall on a coil replacement site.

This is why I went bare minimum coverage, but then a ductwork install went south and I ate $10k out of pocket.

Private equity is driving up claims costs across the board, every HVAC roll-up jacks the market rates.

Yeah, PE firms buying shops and skimping on safety is screwing the rest of us with higher premiums.

Never skimp on the umbrella policy, had a $2M claim from a faulty thermostat install and it saved my ass.

I feel your pain, my rates went up 40% after insuring for R-410a handling liabilities.

Don't ignore the exclusions for refrigerant work, one oversight cost a buddy his whole business.

Insurers and their endless hikes, it's like they're conspiring with the big box stores to crush independents.

At $4500 you're getting hosed, I pay half that for better coverage by going direct with Chubb.